Chase Freedom Rise® Credit Card
Build credit with 1.5% cash back on everything—$0 annual fee
Chase Freedom Rise combines credit-building tools with 1.5% cash back on all purchases and a $0 annual fee. Earn $25 for setting up auto-pay, get 6 months of complimentary DashPass, and enjoy an automatic upgrade path to Chase Freedom Unlimited after 12 months of responsible use.
- Annual Fee
- $0
- statement credit · Welcome Bonus
- $25
- Highest rate (conditional)
- Up to 2% (Lyft)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair
Welcome Offer
Bonus: $25 statement credit
Earning Rates
- 2%
LyftLimited time
- 1.5%
All Other
Earning Scenarios
1.5% on All Purchases
No categories to track or activate. Earn 1.5x points automatically on every purchase—groceries, gas, utilities, streaming, shopping, and everything else.
Spend $1,500/month on everyday purchases and earn 27,000 points per year—worth $270 in cash back. After upgrading to Freedom Unlimited, the same spend becomes eligible for higher rates in bonus categories.
2% on Lyft Rides
Earn 2% total cash back on qualifying Lyft purchases made in the Lyft app through 9/30/2027, a bit more than the 1.5% base rate while building credit.
Spend $100/month on Lyft and earn $24 in cash back per year, compared to $18 at the base rate.
Benefits & Perks
Travel Benefits
6 perksAccount Management
Car Rental
Credit Tools
Assistance
Digital Wallet
Annual Credits & Statement Credits
2 creditsUp to
$40
in recurring credits (annual) · Plus $60 first-year / eligibility-dependent
6 Months Free DashPass ($0 Delivery Fees)
Complimentary 6-month DashPass for DoorDash and Caviar with $0 delivery fees on eligible orders.
$60
One-time
$10 Off Quarterly on DoorDash Orders
Get $10 off one non-restaurant DoorDash order each quarter through Dec 2029 as a DashPass member.
$40
Annual
Insurance & Protections
7 protections$60,000 Auto Rental Collision Coverage
$60,000
secondary
Up to $60,000 coverage for theft or collision damage to rental cars. Secondary in US, primary abroad.
$1,500 Trip Cancellation Insurance Per Person
$1,500
secondary
Reimburses up to $1,500 per person and $6,000 per trip for non-refundable fares if your trip is canceled or cut short.
$500 Purchase Protection for 120 Days
$500
secondary
Covers new purchases for 120 days against damage, theft, or involuntary parting up to $500 per item.
1-Year Extended Warranty up to $10,000
$10,000
Extends U.S. manufacturer's warranty by 1 year on warranties of 3 years or less, up to $10,000 per item.
Instant Card Lock/Unlock via App
Lock or unlock your card instantly from the Chase app to block new transactions while keeping auto-pay active.
Show all 7 protectionsShow fewer protections
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
24/7 Fraud Monitoring
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if the...
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
Best credit-building card for Chase ecosystem entry with 1.5% flat-rate cash back and no annual fee. Automatic upgrade to Freedom Unlimited after 12 months of on-time payments. Includes practical benefits like DashPass, rental car insurance, and purchase protection—unusual for a credit-builder.
The Math: Is $0 Worth It?
First-year value includes $25 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$60
Annual Fee
-$0
Net Annual Value
+$24
Details & Terms
Payment Terms
| Purchase APR | 18.49%–27.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Card Family
Chase Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Unlimited | mid | — | |
| Chase Freedom Flex | mid | — |
Media & Resources
Video Reviews
8 videosDiscover It vs. Chase Freedom Rise (Best Card for MAX Cash Back?)
The Chase Freedom Rise Card is Way Better Than I Expected!
Chase Freedom Rise Credit Card Review 2025 | Is It Worth It?
Chase Freedom Rise Credit Card Review | WORTH IT IN 2025?
NEW CREDIT CARD: Chase Freedom Rise Review - Best First Credit Card / Starter Credit Card?
Chase Freedom Rise Credit Card Review 2025
Chase Freedom Rise Credit Card Review 2026 – Best Starter Card for Building Credit
Third-Party Articles & Reviews
Chase Freedom Unlimited® vs. Chase Freedom Rise℠
Official Chase comparison explaining the differences between Freedom Rise and Freedom Unlimited, including eligibility requirements, welcome offers, earning structures, and the automatic upgrade path from Rise to Unlimited.
Chase Freedom Rise: As Good As A Credit-Builder Gets
NerdWallet's comprehensive review highlighting the card as a top credit-building product with no gimmicks or excessive fees. Covers the 1.5% cash back rate, auto-upgrade path to Freedom Unlimited, and practical benefits like DashPass and rental car coverage.
Chase Freedom Rise® review
Bankrate's review calling it a solid starter card for students and people with limited credit. Emphasizes the generous 1.5% flat rate, low cost structure, and automatic upgrade benefit after 12 months of responsible use.
Chase Freedom Rise Credit Card — Full Review [2026]
Upgraded Points' 2026 evaluation covering pros and cons, earning rates including the 2% Lyft bonus, $25 auto-pay credit, and value analysis for credit-builders entering the Chase ecosystem.
Chase Freedom Rise Review: A Smart Start for Building Credit
AskSebby's analysis of the Freedom Rise as a smart starter card for first-time cardholders. Details the 1.5% cash back structure, credit-building tools, and comparison with other beginner cards in the Chase lineup.
Chase Freedom Rise® 2026 Review
U.S. News review highlighting the card's cash back rewards, $0 annual fee, and consumer protection benefits. Includes expert ratings and evaluation of suitability for first-time cardholders.
Chase Freedom Rise Review 2024
Business Insider's analysis of the Freedom Rise as a credit-building tool, evaluating whether it aligns with credit-building goals and spending habits. Covers rewards structure and path to premium Chase cards.
Chase Freedom Rise Review: Easy Rewards for Credit Freshmen
CardCritics review calling it a straightforward, no-nonsense starter card for college students and credit newbies. Covers ease of use, rewards earning, and practical benefits for everyday spending.
Best Chase credit cards for February 2026
Yahoo Finance's roundup of best Chase cards naming Freedom Rise as the best Chase card for new credit users. Emphasizes rewards earning and credit-building features that set it apart from competitors.
Chase Freedom Rise Credit Card Review: Good for Building Credit
AwardWallet's review positioning the card as a good option for building or rebuilding credit within the Chase ecosystem. Details cash back earning, benefits, and how to avoid fees while establishing credit history.
Chase launches new Freedom Rise card for those building credit
The Points Guy's launch announcement covering the Freedom Rise as Chase's entry-level card for new-to-credit customers. Details the flat 1.5% cash back rate, no annual fee, and credit-building focus.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Chase | — | Chase |
| Chase | — | Chase |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | — | Issuer Page |
| Issuer Page | Issuer Page: Earn rates | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
